If you are shopping an SBA 7(a) or conventional commercial loan in Idaho, the bank you call first matters more than most borrowers think. A lender that already writes a lot of commercial credit and sits in your state is structurally likelier to say yes than a national name passing through. This page ranks the Idaho-headquartered banks doing the most commercial lending right now, using public Q2 2026 FFIEC call-report data. It is the open-book version of what the paid report does with far more inputs.
Idaho's lenders ride agriculture and a fast-growing Boise corridor, a combination that keeps commercial books busier than the state's population would suggest.
The 6 most active commercial lenders in Idaho
Ranked by commercial and industrial (C&I) loans outstanding, Q2 2026. Bank names link to the live BankingLens scorecard.
| # | Bank | City | Assets | C&I share | ROA | Fit notes |
|---|---|---|---|---|---|---|
| 1 | Northwest Bank | Boise | $1.5B | 37.9% | 1.43% | Community bank, heavy C&I concentration. CRE-heavy book. Top sectors funded in ID: Accommodation/Food Service (5 loans), Construction (2 loans) |
| 2 | The Bank of Commerce | Idaho Falls | $2.3B | 14.5% | 2.12% | Local commercial lender, a steady commercial book. Return on assets above 1.5 percent. Loan book up 15% YoY. Top sectors funded in ID: Construction (13 loans), Transportation & Warehousing (7 loans) |
| 3 | D.l. Evans Bank | Burley | $3.7B | 7.4% | 1.34% | Mid-size regional, a modest C&I share. CRE-heavy book. Top sectors funded in ID: Construction (31 loans), Retail Trade (18 loans) |
| 4 | Farmers Bank | Buhl | $678M | 20.7% | 1.63% | Small local lender, an active C&I book. Return on assets above 1.5 percent. Loan book up 11% YoY. |
| 5 | Idaho First Bank | Mccall | $1.4B | 8.4% | 0.83% | Community bank, a modest C&I share. Loan book up 49% YoY. Top sectors funded in ID: Construction (5 loans), Accommodation/Food Service (4 loans) |
| 6 | First Federal Savings Bank of Twin Falls | Twin Falls | $1.4B | 5.7% | 1.28% | Local commercial lender, a modest C&I share. |
Assets and ratios are Q2 2026 FFIEC call-report figures. ROA is annualized return on assets. A bank's headquarters city is shown; many lend statewide and beyond.
C&I lending muscle, ranked
Commercial and industrial loans outstanding for the top 6 Idaho-HQ lenders, Q2 2026. This is the single number our ranking leans on hardest.
How we ranked these
Four steps, all of them transparent. First, we took every bank headquartered in Idaho. Second, a capacity floor: we dropped every Idaho-headquartered bank under $500M in total assets, because a smaller balance sheet rarely anchors a primary SBA 7(a) relationship. Third, an active-originator floor: we loosened the usual 10 percent C&I cutoff to 5 percent here, because Idaho has a shallow commercial-banking bench and a stricter filter would leave too short a list (a bank that is 90 percent home mortgages is not your SBA lender, regardless of size). Of the banks clearing both floors, 6 made the active list. Fourth, we ranked them by C&I loan dollars outstanding, which already blends balance-sheet size with how committed a bank is to commercial credit, and kept the top 6. Where the call report reports it, the fit notes also flag year-over-year loan-book growth as a rough read on whether a bank is leaning into lending or pulling back; the FFIEC filing does not break out SBA or C&I growth on its own, so treat that as directional, not precise.
Smaller banks may also fund your loan but rank below the active list.
The SBA section below ranks separately: it counts the SBA 7(a) and 504 loans each lender actually made in Idaho, from SBA's own loan data, whatever state the lender is based in.
This table is an honest, simplified proxy. The call report does not show a bank's SBA volume or its appetite for your industry; the SBA section shows volume, but not which lender fits your deal. The $49 Borrower Assist report folds all of that in and ranks against your specific deal, not just your state. That is the part worth paying for.
Most active SBA lenders in Idaho
The lenders that made the most SBA 7(a) and 504 loans to Idaho businesses, federal fiscal year 2023 through June 30, 2026, counted from SBA's own loan-level data. National SBA platforms appear next to Idaho's own banks because they lend here too.
384 SBA loans in Idaho, $64.8M in total. Most often: Construction, Retail Trade.
239 SBA loans in Idaho, $146.9M in total. Most often: Health Care, Construction.
179 SBA loans in Idaho, $33.1M in total. Most often: Construction, Other Services.
172 SBA loans in Idaho, $23.3M in total. Most often: Construction, Accommodation/Food Service.
158 SBA loans in Idaho, $57.2M in total. Most often: Construction, Accommodation/Food Service.
108 SBA loans in Idaho, $20.0M in total. Most often: Construction, Retail Trade.
85 SBA loans in Idaho, $34.9M in total. Most often: Retail Trade, Health Care.
77 SBA loans in Idaho, $28.1M in total. Most often: Arts & Recreation, Construction.
66 SBA loans in Idaho, $34.3M in total. Most often: Construction, Transportation & Warehousing.
57 SBA loans in Idaho, $46.6M in total. Most often: Construction, Manufacturing.
Source: U.S. Small Business Administration 7(a) and 504 loan data, refreshed monthly. Ranked by number of loans. Lenders that have since merged count toward the bank that acquired them.
What Idaho looks like for a borrower
Idaho's lenders ride agriculture and a fast-growing Boise corridor, a combination that keeps commercial books busier than the state's population would suggest.
On the numbers: Idaho's 10 headquartered banks carry $12.0B in assets between them, the largest being D.l. Evans Bank of Burley at $3.7B. The median bank keeps 14.4% of its loan book in C&I credit, which is the pool the table below ranks.
None of that tells you which of these banks will fund your specific deal. A $400,000 restaurant acquisition and a $4M owner-occupied warehouse purchase have different optimal lender lists even in the same state, and the ranking above does not split by loan size, industry, or collateral. Treat it as your starting shortlist, not your final answer.
How to use this list
- Start with the bank near you that has the strongest commercial profile, not just the closest branch. A lender with a real C&I book understands your deal faster.
- Ask for the SBA or commercial lending group directly. The general line routes business deals slowly.
- Have a one-page summary ready: use of funds, cash flow, collateral, owner credit, timeline. Banks decide whether to engage in the first ninety seconds.
- Run two banks in parallel, not five. Two real conversations close a loan; five waste everyone's time.
Hero photo: The Colorado Rockies by Peter Pryharski on Unsplash, used here as a regional editorial image for Idaho.